SYBARITE
ActiveSYBARITE is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €92k and a net result of €46k. Equity is shrinking by ~3% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 67% of 8006 sector peers (fiscal year 2025). The company has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
7 d late
2023
6 d late
2022
26 d early
2021
61 d late
2020
30 d late
2019
52 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€92k▲ 98.2%
2024 · €47k
2018: €-13k
2019: €-14k
2020: €-14k
2021: €-15k
2022: €-16k
2023: €-17k
2024: €47k
2018 → 2025
Net result
€46k▼ 27.7%
2024 · €63k
2018: €-732
2019: €-460
2020: €-478
2021: €-946
2022: €-707
2023: €-872
2024: €63k
2018 → 2025
Total assets
€131k▲ 32.8%
2024 · €99k
2018: €56
2019: €56
2020: €1
2021: €1
2022: €1
2023: €112
2024: €99k
2018 → 2025
Solvency
70.3%▲ 23.2pp
2024 · 47.1%
2018: -23544.2%
2019: -24360.9%
2020: -1418589.0%
2021: -1513158.0%
2022: -1583858.0%
2023: -14907.8%
2024: 47.1%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-15k-€-16k▼ 4.7%€-17k▼ 5.5%€47k€92k▲ 98.2%
Operating result€-946-€-707▲ 25.2%€-872▼ 23.3%€74k€68k▼ 6.9%
Net result€-946-€-707▲ 25.2%€-872▼ 23.3%€63k€46k▼ 27.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 7% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €131k
Fixed assets
€26k▼ 27.4%
Current assets
€105k▲ 67.8%
Equity and liabilities €131k
Equity
€92k▲ 98.2%
Debt
€39k▼ 25.4%
The debt ratio falls from 52.9% to 29.7%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
70.3%▲
2024 · 47.1%
ROE
49.5%▼
2024 · 135.9%
ROA
34.8%▼
2024 · 64.0%
Debt
€39k▼
2024 · €52k
Debt ≤ 1 year
€39k▼
2024 · €52k
Income taxes
€23k▲
2024 · €10k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€99k€131k▲
Fixed assets21/28€36k€26k▼
Tangible fixed assets22/27€22k€12k▼
Furniture and vehicles24€22k€12k▼
Financial fixed assets28€14k€14k=
Current assets29/58€62k€105k▲
Amounts receivable within one year40/41€40k€56k▲
Trade receivables40€40k€25k▼
Other amounts receivable41€139€32k▲
Cash at bank and in hand54/58€22k€48k▲
Deferred charges and accrued income490/1-€317
Equity and liabilities
Total equity and liabilities10/49€99k€131k▲
Equity10/15€47k€92k▲
Contributions10/11€25k€25k=
Reserves13€22k€67k▲
Distributable reserves133€22k€67k▲
Profit (loss) carried forward14€0-
Amounts payable17/49€52k€39k▼
Amounts payable within one year42/48€52k€39k▼
Trade debts44€13k€717▼
Suppliers440/4€13k€717▼
Taxes, remuneration and social security45€22k€21k▼
Taxes450/3€22k€21k▼
Other amounts payable47/48€17k€17k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€10k▲
Other operating charges640/8€387€839▲
Gross operating margin9900€81k€79k▼
Operating profit (loss)9901€74k€68k▼
Financial income75/76B-€779
Recurring financial income75-€779
Financial charges65/66B€116€749▲
Recurring financial charges65€116€749▲
Profit (loss) for the period before taxes9903€73k€68k▼
Income taxes67/77€10k€23k▲
Profit (loss) for the period9904€63k€46k▼
Profit (loss) for the period to be appropriated9905€63k€46k▼
Appropriation of the result
Profit (loss) to be appropriated9906€22k€46k▲
Profit (loss) brought forward from the previous period14P€-42k€0▲
Transfer to equity691/2€22k€46k▲
To other reserves6921€22k€46k▲
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity doublescurrent ratio 2.69
Current ratio from 1.20 to 2.69; short-term debt falls from €52k to €39k.
07-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 7 days late
2024
31-12
Financial
Back to profitnet €63k
Net result €63k after 6 loss-making years.
31-12
Financial
Liquidity times 179current ratio 1.20
Current ratio from 0.01 to 1.20.
06-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 6 days late
2023
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 61 days late
2021
31-12
Financial
Weakest financial yearnet €-946
Net result drops to €-946, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
21-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 52 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
27-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 58 days late
2017
17-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Temse · 1 establishment unit since 2011
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Smesstraat 1409140 TemseGround area
382 m²
Building footprint
382 m²
Volume, LiDAR
2,557 m³
Parcel 46025B0283/00A000, Flanders · tallest building 12.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SYBARITE
since 20112.367.913.520
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46025B0283/00A000 | Flanders | 382 m² | 1 · 382 m² | 12.0 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 24,727 companies in sector 64210 we hold annual accounts for 19,759. 12,125 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-11-2011
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70100Activities of head offices
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.